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Compare your loan options in Lincoln, Nebraska

Learn how the state regulates payday loans and where to apply.


Fact checked

Editor's choice: OppLoans Installment Loans

OppLoans Installment Loans logo
  • Easy online application
  • Quick approval
  • Long repayment terms
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Financial struggles can hang like a dark cloud over your head. When you’re hit with an emergency on top of those struggles, it can quickly become overwhelming. Go through this guide to find out what a payday loan will involve for residents of Lincoln.

What Nebraska laws apply to payday loans in Lincoln?

Under the Nebraska Statutes Annotated §§ 45-901, you can borrow up to $500 from a lender in Lincoln. There is a financing fee of $15 per $100, and you may have no more than two outstanding loans at any time. This applies whether you borrow from an online lender or one with a local storefront.

Our page on Nebraska law has more information on payday loans

Compare short-term loans available in Lincoln

Data indicated here is updated regularly
Name Product Filter Values Max. Loan Amount Turnaround time Requirements
OppLoans Installment Loans
1 business day
Direct deposit, meet minimum income requirements, live in eligible state
Comes with the option to change your due date so you won’t fall behind on repayments.
 Check Into Cash Installment Loans
1 to 2 business days
Bank account, email address, phone number, US citizen or permanent resident, ages 21+, $3,500 minimum income in California
Borrow money with lower payments and more time to pay than a traditional payday loan.
Fast5kLoans Short-term Loans Connection Service
As soon as the next business day
Regular source of income, verifiable bank account, US citizen, ages 18+
Get connected with multiple lenders you might qualify with — even if you have bad credit.
LendYou Short-term Loans
Same business day to 1 business days
$1,000+ monthly income, direct deposit, US citizen or permanent resident, ages 18+
Get offers from potential lenders in minutes by filling out just one online form.
Possible Finance Mobile Installment Loans
As fast as 1 business day
Checking account with 3+ months of banking history, $750+ monthly income, live in eligible state, ages 18+
Borrow up to $500 with just a few swipes — but only for residents of 5 states.
Depending on lender requirements, people from all 50 states may not be eligible for a personal loan.
With straightforward, simple qualifications, these loans offer easy approval for people with poor credit.

Compare up to 4 providers

How to apply for a short-term loan in Lincoln, Nebraska

Before you apply, you’ll need to be at least 18 years old, have a regular source of income and be a citizen or permanent resident of the US.

  1. Find a lender on the table above and click Go to Site
  2. Fill out the application, including things like your Social Security number
  3. Enter information about your employment and monthly income
  4. Submit your application and wait to see if you’re approved
  5. If you’re offered a loan contract, read it carefully for terms

If you aren’t offered a loan, consider these alternatives

Loan factors to compare when applying

  • Is bad credit accepted? Lenders use more than just your credit when determining if you qualify for a loan. Even if you have bad credit, you may still qualify to borrow money based on your current financial situation and your gross monthly income.
  • Available online or in-store? Whether you want to visit a storefront or are content applying for a loan on a computer, you have plenty of options to choose from.Check our loan table for your online options or see the map below for where you can go to apply in the city of Lincoln.
  • What’s the turnaround time? Short-term lenders don’t follow the same stringent lending criteria as banks and other loan providors, so they tend to process loan applications faster. When you apply in-store, you may be able to get your loan on the same day. If you decide to visit an online lender, you should receive your loan as soon as the next business day.

Joe's cat needs expensive surgery

Imagine this scenario: Joe hadn’t been working long when his cat needed an emergency surgery. He’d never had a credit card and wasn’t sure of the process, but when he learned that his lack of credit history would likely end in rejection, Joe decided to opt for a payday loan.

He visited a lender’s storefront near his work and applied for a loan of $400. The contract stated he’d need to repay $460 within two weeks. Joe knew he could handle the fees and left a post-dated check with his lender. It was cashed on the due date with no problems, and Joe was able to get his cat the surgery she needed and stay out of long-term debt.

Short-term loan lenders in Lincoln, Nebraska

Visit these locations for in-store loan applications

  • Advance America. 4718 O St, Lincoln, NE 68504
  • Advanced Cash. 4718 O St, Lincoln, NE 68504
  • Cash Solutions. 3223 Cornhusker Hwy # A, Lincoln, NE 68504
  • Check Into Cash. 4451 N 26th St #200, Lincoln, NE 68521
  • Check ‘n Go. 2911 O St, Lincoln, NE 68510
  • EZ Money Check Cashing. 233 N 48th St, Lincoln, NE 68504
  • Paycheck Advance. 101 N 27th St, Lincoln, NE 68503
  • Red D Cash. Belmont Shopping Center, 2601 N 11th St #3, Lincoln, NE 68521
  • Steve’s Payday Loans 7121 A St #100, Lincoln, NE 68506

How much it costs to borrow in Lincoln

Nebraska law allows lenders to charge $15 per $100 borrowed. This means if you borrow a small loan of $100, you’ll have to pay back $115 when the loan is due. Larger loans of $500 cost $75 in fees. This amount doesn’t include database fees, late fees or any other charges specified in your loan contract. In order to know the full potential amount you may have to pay, you’ll want to read over the terms of your loan carefully before you sign.

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